Rates

Effective Date:  February 1, 2017

SAVINGS & CHECKING Products
  Minimum Balance
Requirement
APY*
Savings $2.50 0.10%
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings.  Dividend on average daily balances of $50.00 or more.
Basic Checking none 0.00%
Interest Checking none 0.25%
High Yield Checking none  
$250 to $5,000   1.00%
Above $5,000   0.25%
Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings.

 

Money Markets
Balance APY*
$50.00 to $2,499.99 0.10%
$2,500.00 to $9,999.99 0.10%
$10,000.00 to $24,999.99 0.10%
$25,000.00 and over 0.10%
Dividend on average daily balances of $50.00 or more; 3 free withdrawals per month, a $5.00 fee for each withdrawal after the first 3 per month.

 

Certificate Accounts
Term APY*
90 to 179 days 0.10%
180 to 359 days 0.15%
360 to 719 days 0.20%
720 to 1,079 days 0.40%
1,080 to 1,439 days 0.50%
1,440 to 1,799 days 0.60%
1,800 days 1.00%
$500 minimum deposit on certificates. Rates may change without prior notice.
We may impose a penalty if you withdraw any of the principal before the maturity date.
The amount of the early withdrawal penalty for your account is 90 days dividends; early withdrawal penalty could reduce earnings on the account.
Balances in excess of $250,000 are not insured by NCUSIF

 

IRA Savings
  APY*
IRA Shares 0.25%
Dividend on average daily balances of $50.00 or more

 

IRA Certificate Accounts
Term APY*
30 to 59 days 0.10%
60 to 89 days 0.10%
90 to 119 days 0.10%
120 to 179 days 0.20%
180 to 359 days 0.20%
360 to 719 days 0.30%
720 to 1,079 days 0.50%
1,080 to 1,439 days 0.70%
1,440 to 1,799 days 1.00%
1,800 to 2,159 days 1.25%
2,160 to 2,519 days 1.50%
2,520 days 1.75%
$500 minimum deposit on certificates. Rates may change without prior notice.
We may impose a penalty if you withdraw any of the principal before the maturity date.
The amount of the early withdrawal penalty for your account is 90 days dividends.
The amount of early withdrawal penalty for the 48 Month, 60 Month, 72 Month and 84 Month IRA Certificate is 180 days dividends.
Balances in excess of $250,000 are not insured by NCUSIF.
Early withdrawal penalty could reduce the earnings on the account.

 

Please Note:

  •     *All rates disclosed above are done so by using the APY (Annual Percentage Yield)
  •     Any fees imposed could reduce earnings on any account.
  •     The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.
  •     The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date.
  •     All rates are subject to change without notice. Please call 518.583.2323 to verify that these rates are current.